CITY EMPLOYEES
Charter #67778 · KNOXVILLE, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.25% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.31% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 50.94% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 77th — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $116.90M | 11th pct | 33th pct |
| Members | 8,461 | 21th pct | 51th pct |
| Net worth ratio | 22.25% | 98th pct | 85th pct |
| Return on average assets | 0.84% | 60th pct | 41th pct |
| Net interest margin | 3.78% | 58th pct | 62th pct |
| Cost of funds | 0.77% | 28th pct | 28th pct |
| Loan-to-share | 70.15% | 47th pct | 41th pct |
| Delinquency 60+ days | 0.57% | 46th pct | 61th pct |
| Net charge-off ratio | 0.31% | 45th pct | 77th pct |
| Loan growth YoY | -0.50% | 41th pct | 41th pct |
| Share growth YoY | -0.39% | 7th pct | 7th pct |
| Efficiency ratio | 50.94% | 3th pct | 7th pct |
structural peer set hash: 5b99ad9cfffc7552dcc98024ac33acd8… (reproducible)
Closest structural peers
This is the free public view
Claim CITY EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.